Subject to credit approval
and other qualifications. Instant Refund Anticipation Loan ("IRAL")
provided by HSBC Bank USA, N.A. A Refund Account fee and a Finance Charge are
charged by the lender. You may not qualify for a full or partial IRAL, but may
qualify for a Classic RAL
as soon as 1 day later. Amount received may be reduced by debt owed for a prior
loan. At
participating offices. Those who e-file with direct deposit without taking an
IRAL typically
receive their federal income tax refund in 8-15 days.